Silambarasan P.
Credit Manager
Nainnarmandabam
Summary
Professional with 9+years of experience across housing finance pvt ltd , with strong exposure Retail credit and Branch operations .and Regulatory compliance. Hands on experience in credit appraisal of housing loans .NRI, Affordable and agri loan along with service centre administration.audit readiness and customer grievance handling.well suited PSU bank roles requiring disciplined operations, policy adherence and risk-aware decision-making.
Overview
9
9
years of professional experience
1
1
Language
Work History
Credit Manager
ICICI Home Finance Company Limited
02.2024 - 04.2026
- ICICI Home Finance company Ltd Pondicherry Branch Joining Date: February 13,2024 to Present
- Product Handled: Housing loan and LAP And managing day -to- day service centre operation with responsibility for compliance and customer satisfaction.
- Acted as coordination point between customer credit , sales and operations teams.
- Maintained MIS ,TAT Benchmark and CSl scores asper organizational norms.
- Implemented corrective action based on audit and service observation.
- Location covered by: Panruti, Chidambaram, Cuddalore Villupuram, Thirukoilur, Thiruvannamalai, Tindivanam
Senior Credit Officer
HDFC Sales Pvt Ltd
01.2017 - 02.2024
- Appraising cases of HL & LAP as per the defined credit policy. Conducting vendor visits, providing inputs and implementation of credit-risk control policy.
- Maintaining TAT for each and every file login so as to serve customer and business better.
- Ascertaining KYC compliance for processing of applications and Verifying KYC documents and doing credit operation.
- Assessment of value of properties with the help of Guideline Value and Market Value and verification of reports given by Panel valuers in assessment of value of properties.
- Prepare MIS Report and maintain TAT for to monitoring the login file workflow. Easily convince the customer to promote the loan products.
- Analysis of Cash flow, Average banking, Repayment track records & Financial flows for analysis the Credit information of the customer for their eligibility.
- Business visit and Residence visit (PD), Verification documents (ETE) of banking & other Credit Related Information and Suggesting optimal solutions to customers need.
- Evaluation the Application and Valuation for the Property and Verification of legal opinion.
- RCU Preparation, (Residence, Business and Employment verification) Stage inspection and disbursal of Loan.
- Conducted credit appraisal for housing loans NRI loans Employed and self-employed segment.
- Prepared credit notes, verification reports and risk assessment.
Education
MBA - HR & Finance
Sri Krishna Engineering College-Anna University
Chennai01-2014
B. Sc - undefined
Dr R.K.S College
01-2012
H.S.C - undefined
Govt Higher Sec School
Sankarapuram, kallakurichi Dist01-2007
S.S.L.C -
Govt Higher Sec School
Sankarapuram, kallakurichi Dist01-2005
Skills
Managing multi type of peoples in multiple situations
Aggressive & Smart, Adaptable in groups Dedicated and result oriented, quick learner
Analysis customer credit profiles with speed and accuracy
Communicating effectively and politely both with the business and with customers
Accomplishments
- Five times received monthly star award for Pondicherry location in 2022
- Won star award in "HDFC" as Best Credit Officer for TAT maintaining and Quality of file Recommendations.
- 2019-20 Annual Award winner in credit officer in Pondicherry location 85% weightage
- Won star Award in HDFC as Best Employee Year 2019-2020 for TAT Maintaining and Ratio Maintaining.
PERSONAL PROFILE:
- Name: P.Silambarasan
- Date of Birth: 03-02-1989
- Father's Name: M.Palani
- Marital status: Married
- Languages Known: English and Tamil
- Residence address: No.50 Second Main Road Mugambikai Nagar Nainnarmandabam Pondicherry -605004.
Additional Information
Strong understanding of PSU- style documentation and audit requirements.
Experience across housing finance company (HFC) and private Bank environments.
DECLARATION
I hereby declare that the information furnished above is true and correct to the best of my knowledge and belief
Place :
Date :
Signature: Silambarasan.P
Timeline
Credit Manager
ICICI Home Finance Company Limited
02.2024 - 04.2026
Senior Credit Officer
HDFC Sales Pvt Ltd
01.2017 - 02.2024
B. Sc - undefined
Dr R.K.S College
H.S.C - undefined
Govt Higher Sec School
MBA - HR & Finance
Sri Krishna Engineering College-Anna University
S.S.L.C -
Govt Higher Sec School